I have a wallet or two, but like a few people on here, they tend to be more storage for important cards.
I use a virtual wallet for my payment cards, including debit (No cost transactions abroad) and have all relevant loyalty cards, library card on there etc etc - uber convenient, and one less thing to keep a track of, or have to find when lost.
One thing I only tried once, but couldn't get to work, was using the virtual debit card to get money out of a hole in the wall.
Looking it up again now, it appear my bank, FD, do not support it, so that would be why.
Other things I very much like the virtual wallet for are:
Train tickets
Flight boarding passes
Concert tickets